1What these terms cover
These terms are between Scail Capital LLC (“SCAIL”, “we”) and the workspace that turns on the Funding add-on (“Operator”, “you”). They sit on top of the Terms of Service and the Platform Services Agreement, which continue to apply in full; where they conflict on the subject of the Funding add-on, these terms prevail. Turning the module on in Settings → Funding is your acceptance, recorded with the version shown at the top of this page and the account that accepted it.
2What the add-on is
A readiness score for a client’s credit file, explained signal by signal; a directory of lenders and products with their published floors, inquiry rules and bureau pulls, scored against that file; a what-if simulator; an AI-drafted funding roadmap; a plan you edit and publish to the client’s portal; and an applications ledger that records what you submit, what the lender decided, and what was funded. When an application is logged as funded, the module drafts an invoice for the success fee you configured.
The directory is published guidance, not a promise. Lender criteria change without notice, differ by product and region, and are applied by the lender’s own underwriting. Scores and bands are descriptive — they explain how a file compares to what a lender says it wants — and are not a prediction, a pre-approval, or an offer of credit by anyone.
3What the add-on is not
SCAIL is not a lender, loan broker, credit services organisation, financial adviser or credit repair organisation, and does not become one because you use this module. SCAIL does not submit applications, does not communicate with lenders on anyone’s behalf, does not touch a client’s money, and does not receive any part of your success fee. No output of the module — a score, a band, a capacity estimate, a roadmap, a plan — is a guarantee that any client will be approved for anything, or for any amount.
4Your obligations
You agree that you, and not SCAIL, are the one advising the client, and that you will:
- Never tell a client, in writing or in conversation, that funding, an approval, an amount or a rate is guaranteed, or attribute such a promise to SCAIL.
- Verify a lender’s current criteria before an application goes in, and treat the directory as a starting point, not a substitute for that check.
- Obtain the client’s consent before pulling, uploading or analysing their credit report, and hold whatever licence, bond or registration your state requires for the advice you give — including, where it applies, credit services organisation and loan broker law.
- Set, disclose and collect your own fees under your own agreement with the client, and comply with the laws that govern them — including any advance-fee rule that applies to you. The success-fee invoice the module drafts is a convenience; whether, when and how much you may charge is yours to get right.
- Keep the repair and the funding sides of a file separate in what you tell the client: the module never suggests a dispute, and you will not present funding-readiness work as credit repair, or the reverse.
- Comply with the FCRA, ECOA, GLBA, TCPA, CAN-SPAM, the FTC Act and state consumer-protection law in every use of the module, and never use a client’s report or the directory for any purpose other than advising that client.
5Lender data and your own additions
The platform directory is SCAIL’s compilation and is licensed to you for use inside your workspace only. You may not export, scrape, resell or republish it. Lenders, products, notes, rules and playbooks you add are yours, visible only to your workspace, and you are responsible for their accuracy. Outcomes you log are used to refine the fit score for your workspace; SCAIL may use them in aggregate, never in a form that identifies a client, to improve the directory for everyone.
6AI output
The roadmap and any narrative the module drafts are generated with a language model from the facts on the file and the directory. They can be wrong. You review every output before a client sees it, and the plan you publish is your work product, not SCAIL’s advice. AI use is metered under your plan’s credits like every other AI feature.
7Price, billing and cancellation
The add-on is billed monthly in advance as a separate subscription on your workspace’s card, at the price shown at checkout, and is included at no extra charge on plans that list it. It renews until cancelled; cancel any time from Settings → Funding or your billing page and it ends at the close of the paid month, with no refund of the current month except as the Refund Policy provides. When it ends, the module’s tabs close but nothing is deleted: your lenders, plans, applications and outcomes stay on the file and reopen if the add-on is restored. A workspace whose plan subscription ends loses the add-on with it.
8Liability
To the fullest extent the law allows, SCAIL is not liable for any lending decision, any fee you charge or fail to collect, any loss a client attributes to a plan you published, or any regulatory action arising from how you advised a client. The limitation of liability and the indemnity in the Terms of Service apply to the add-on, and you indemnify SCAIL for claims arising from a promise of funding you made, a fee you charged, or a licence you did not hold.
9Changes
We may change these terms with 30 days’ notice by email to the workspace owner and a new version number on this page. Continued use after the effective date is acceptance; if you do not accept, turn the module off before that date. The directory, the scoring model and the module’s features may change at any time without notice — they are the product, not the contract.